First Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 5.0% from Q1 2026 to Q2 2026, ending at $829.2M against $789.4M. It was the largest change among the key lines on this page. Within North Carolina, First Bank is 12th of 26 on CET1 ratio, 14.69% as of Q2 2026. First Bank reported 14.69% on CET1 ratio for Q2 2026, 1.73 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.94% |
| Tier 1 leverage ratio | 11.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.45B |
| Tier 1 capital | $1.45B |
| Total risk-based capital | $1.57B |
| Total equity capital | $1.77B |
| Risk-weighted assets | $9.87B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.62% |
| Tangible equity to tangible assets | 10.22% |
| Equity capital to average assets | 13.55% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.7M |
| Common stock surplus | $1.10B |
| Retained earnings | $829.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$157.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.10% | 14.10% | 15.35% | 10.70% | $9.00B |
| Q4 2023 | 14.36% | 14.36% | 15.61% | 10.83% | $8.99B |
| Q1 2024 | 14.51% | 14.51% | 15.76% | 10.86% | $8.93B |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 10.99% | $8.79B |
| Q3 2024 | 15.26% | 15.26% | 16.51% | 11.06% | $8.65B |
| Q4 2024 | 15.23% | 15.23% | 16.48% | 10.94% | $8.64B |
| Q1 2025 | 15.40% | 15.40% | 16.65% | 11.18% | $8.73B |
| Q2 2025 | 15.49% | 15.49% | 16.74% | 11.25% | $8.87B |
| Q3 2025 | 15.17% | 15.17% | 16.42% | 11.20% | $9.13B |
| Q4 2025 | 14.69% | 14.69% | 15.94% | 11.08% | $9.35B |
| Q1 2026 | 14.74% | 14.74% | 15.99% | 11.36% | $9.56B |
| Q2 2026 | 14.69% | 14.69% | 15.94% | 11.50% | $9.87B |
First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15019) · FFIEC NIC profile (RSSD 216922)